Leesburg Bankruptcy Lawyer

Our Leesburg bankruptcy lawyers handle bankruptcy filings for individuals and businesses throughout Northern Virginia. If your debt is beyond your ability to repay, call us today for a consultation. We will tell you how you can keep your car and your house while reducing or eliminating your debt. Do not struggle through another month of bills that you cannot pay – call us today. When we meet with you, we will go over your situation with you, and help you determine the best course of action. If a bankruptcy filing is appropriate, we will help you determine the best Chapter for your situation.

Chapter 7 Bankruptcy

Chapter 7 provides a complete elimination of most kinds of unsecured debt. Most people who qualify for Chapter 7 are still able to keep their cars, houses, and personal property. The law provides exemptions to protect your property up to certain values. We will help you determine whether any property may be at risk before we file anything. There is often a way to keep the property, even if it is not protected by exemptions. We will go over your property with you, and tell you of any concerns. We will guide you through the process to ensure that you eliminate the debt that you want to eliminate, and keep the property that you want to keep. If any of your unsecured debt is not dischargeable, we will let you know that too.

Chapter 13 Bankruptcy

Chapter 13 provides a debt repayment plan through the appointed Chapter 13 Trustee. Essentially, you make payments to the Trustee, and the Trustee pays your creditors a portion of what is owed to them. Most payment plans last from 36-60 months, and at the conclusion of the plan the remaining unsecured debt is eliminated. Chapter 13 is appropriate for people who do not qualify for Chapter 7, or have property that they might lose if they filed Chapter 7. Chapter 13 can also be a great tool for repaying delinquent taxes and overwhelming student loans. When you come in for a consultation, we will analyze your situation and tell you if Chapter 13 is the best route for you under your specific circumstances. If it is, we will work with you to come up with a payment plan that you can afford.

Chapter 11 Bankruptcy

Chapter 11 provides a way to pay your creditors a portion of what is owed to them, usually without the involvement of a Trustee. Corporations and other business entities file most Chapter 11 cases, but Chapter 11 may be appropriate for some individuals under limited circumstances. Most individuals who file under Chapter 11 do so because they are ineligible for Chapter 13 due to the Chapter 13 debt limits. This is a very small segment of those seeking bankruptcy relief. However, if that is your situation, we can help.

If you are struggling with debt, call us today to set up an appointment for a consultation. We practice throughout Northern Virginia. Bankruptcy is in Federal court, and the Alexandria Division of the Eastern District of Virginia serves the cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park, and the counties of Arlington, Fairfax, Fauquier, Loudoun, Prince William and Stafford, and any other city or town within these counties. Do not put it off any longer – call now for your consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Whitbeck Cisneros McElroy PC

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